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  Members First Community Credit Union Visa Platinum Reward Credit Card

Members First Community Credit Union Visa Platinum Reward Credit Card

in Personal Credit Cards from Members First Community Credit Union

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Members First Community Credit Union Visa Platinum Reward Credit Card

Unaffiliated

in Personal Credit Cards from Members First Community Credit Union

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Highlights
Purchase APR  (Fixed APR) 8.99% - 19.99%
Balance Transfer APR  (Fixed APR) 8.99% - 19.99%
Credit Score Range 650 - 850
Annual Fee $0

Members First Community Credit Union Visa Platinum Reward Credit Card Review

Members First Community Credit Union Visa Platinum Reward Credit Card is a rewards credit card issued by Members First Community Credit Union. If you're wondering whether Members First Community Credit Union Visa Platinum Reward Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Members First Community Credit Union Visa Platinum Reward Credit Card has a fixed purchase APR that ranges from 8.99% up to 19.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.80% every time you make a transaction outside the U.S.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Members First Community Credit Union Visa Platinum Reward Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Members First Community Credit Union Visa Platinum Reward Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 0.80%.
  • You don't earn rewards on every purchase.
Members First Community Credit Union Visa Platinum Reward Credit Card FAQ

Is there a Members First Community Credit Union Visa Platinum Reward Credit Card cash back or rewards program?

Members First Community Credit Union Visa Platinum Reward Credit Card offers a rewards program to its customers.

Members First Community Credit Union Visa Platinum Reward Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Members First Community Credit Union Visa Platinum Reward Credit Card have a signup bonus?

Members First Community Credit Union Visa Platinum Reward Credit Card doesn't offer a cash signup bonus.

Does Members First Community Credit Union Visa Platinum Reward Credit Card offer an annual loyalty bonus?

Members First Community Credit Union Visa Platinum Reward Credit Card doesn't offer a cash loyalty bonus.

What are the Members First Community Credit Union Visa Platinum Reward Credit Card benefits?

Members First Community Credit Union Visa Platinum Reward Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Members First Community Credit Union Visa Platinum Reward Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Members First Community Credit Union Visa Platinum Reward Credit Card has lower than average purchase APRs.

Members First Community Credit Union Visa Platinum Reward Credit Card has a fixed purchase APR that ranges from 8.99% up to 19.99%. The card has a fixed balance transfer APR that ranges from 8.99% up to 19.99%. It also has a fixed cash advance APR that ranges from 8.99% up to 19.99%.

Does Members First Community Credit Union Visa Platinum Reward Credit Card have an introductory APR offer on balance transfers?

No, Members First Community Credit Union Visa Platinum Reward Credit Card does not come with an introductory APR offer for balance transfers.

Does Members First Community Credit Union Visa Platinum Reward Credit Card have an introductory APR offer on new purchases?

Members First Community Credit Union Visa Platinum Reward Credit Card does not offer an introductory rate on new purchases.
Members First Community Credit Union Visa Platinum Reward Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Members First Community Credit Union Visa Platinum Reward Credit Card?

The following fees apply to Members First Community Credit Union Visa Platinum Reward Credit Card:

Members First Community Credit Union Visa Platinum Reward Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.80%
Returned Payment Fee up to $25
Late Payment Fee up to $27

Does Members First Community Credit Union Visa Platinum Reward Credit Card have a foreign transaction fee?

Members First Community Credit Union Visa Platinum Reward Credit Card charges a foreign transaction fee of 0.80%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Members First Community Credit Union Visa Platinum Reward Credit Card report your account activity to credit bureaus?

Yes, Members First Community Credit Union Visa Platinum Reward Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Members First Community Credit Union Visa Platinum Reward Credit Card

  • Visit the Members First Community Credit Union Visa Platinum Reward Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Illinois
Availabile in all of Illinois

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Foreign Currency Transaction Fee 0.80%
Returned Payment Fee Up to $25
Paper Statement Fee $12
Late Fee Amount Up to $27
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Categories
  • Office Supplies
  • Entertainment
  • Travel
  • Hotels
  • Furniture
  • Retail
  • Amazon Purchases
Cash Advance APR (Fixed APR) 8.99% - 19.99%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Fixed APR) 8.99% - 19.99%
Balance Transfer APR (Fixed APR) 8.99% - 19.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type Rewards
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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